Autify Digital

<p>Connect your WooCommerce store to Lloyds Bank Cardnet with this secure payment gateway plugin. Offer your customers a reliable and seamless way to pay using Visa, Mastercard, American Express, and digital wallets directly from your online store, with real-time processing and flexible configuration options to suit your business needs.</p>
<h4>What is Lloyds Bank Cardnet?</h4>
<p>Lloyds Bank Cardnet is a secure payment solution that enables businesses to accept a variety of payment methods, including credit and debit cards, Apple Pay, and Google Pay, through their WooCommerce store. This integration seamlessly enhances transaction efficiency and improves customer experience by offering a smooth, uninterrupted payment journey.</p>
<h4>How the Plugin Works</h4>
<p>The Lloyds Cardnet Gateway plugin for WooCommerce enables your customers to pay securely using their preferred payment method at checkout. Choose between an embedded payment form (Payment.JS) directly on your checkout page or a redirect to the secure Lloyds hosted payment page. Once the transaction is authorised, the payment is confirmed in real time through webhook integration, and order statuses are updated automatically.</p>
<p>From your WooCommerce admin panel, you have complete control over the payment experience. Configure payment methods, manage tokenised cards, process refunds, and monitor all transactions through the built-in reporting dashboard. The plugin supports recurring payments for subscription-based products, MOTO transactions for phone/email orders, and express checkout with Apple Pay and Google Pay on product, cart, and checkout pages.</p>
<h4>When to Use This Plugin</h4>
<p>This plugin is ideal for any WooCommerce merchant who needs to accept card payments through Lloyds Bank Cardnet. Whether you run an online retail store, offer subscription services, or need to process phone orders, the Lloyds Cardnet Gateway provides a secure, PCI-compliant payment solution that integrates directly into your WooCommerce checkout flow.</p>
<h4>Features</h4>
<ul>
<li><strong>Embedded Payment (Payment.JS)</strong> — Seamless checkout with a secure payment form directly on your site using iframes. Card data is handled entirely by Lloyds — never touches your server.</li>
<li><strong>Hosted Payment Page (HPP)</strong> — Redirect customers to the secure Lloyds hosted payment page for PCI compliance with minimal integration effort.</li>
<li><strong>Apple Pay Support</strong> — Allow customers to pay quickly using Apple Pay on compatible devices and browsers for a fast, native payment experience.</li>
<li><strong>Google Pay Support</strong> — Accept payments via Google Pay for a frictionless checkout experience across Android and Chrome.</li>
<li><strong>Express Checkout</strong> — Display Apple Pay and Google Pay buttons on product, cart, and checkout pages, allowing customers to skip the standard checkout process.</li>
<li><strong>Card Tokenisation</strong> — Allow customers to securely save card details for faster future purchases. Card data is never stored on your server.</li>
<li><strong>Subscription Support</strong> — Set up recurring payments for subscription-based services with automatic renewal processing via card payments.</li>
<li><strong>MOTO Payments</strong> — Process Mail Order/Telephone Order payments securely from the WooCommerce admin panel.</li>
<li><strong>Refund Management</strong> — Process full or partial refunds directly from the WooCommerce order page with automatic gateway integration.</li>
<li><strong>3D Secure 2 (3DS2)</strong> — Smart authentication with dynamic challenge requirements supporting Strong Customer Authentication (SCA) under PSD2 regulations.</li>
<li><strong>Transaction Reporting</strong> — Comprehensive reporting dashboard with advanced filtering, CSV export, and traffic light verification status indicators.</li>
<li><strong>Real-Time Processing</strong> — Instant payment confirmations and status updates via webhook integration.</li>
<li><strong>Sandbox/Test Mode</strong> — Test transactions without processing real payments using Lloyds sandbox credentials.</li>
<li><strong>Multi-Currency Support</strong> — Configure multiple currencies and selling locations based on your merchant account capabilities.</li>
<li><strong>WooCommerce Blocks</strong> — Support for both classic and block-based checkout.</li>
<li><strong>HPOS Compatible</strong> — Full support for WooCommerce High-Performance Order Storage.</li>
<li><strong>Dedicated Customer Support</strong> — Reliable installation and post-integration support from Autify Digital.</li>
</ul>
<h4>Security & Compliance</h4>
<p>The Lloyds Cardnet Gateway plugin uses embedded payment forms and hosted payment pages to ensure the highest level of security for your business and your customers. All sensitive payment information, including credit and debit card details, is handled directly by Lloyds Bank Cardnet’s PCI DSS Level 1 certified infrastructure — never on your WordPress server.</p>
<p>This approach means that no customer payment data is entered into, processed by, or stored on your server at any point during the transaction. Your server only receives non-sensitive transaction confirmation data via secure webhook notifications, such as the payment status and reference number. As a result, this integration supports <strong>PCI DSS SAQ A compliance</strong>, significantly reducing your compliance obligations and security risks.</p>
<p>All API communications are encrypted via HTTPS/TLS. The plugin supports 3D Secure 2 authentication for Strong Customer Authentication (SCA) compliance under PSD2 regulations.</p>
<p>Businesses are responsible for ensuring they are compliant with any necessary financial regulations when using Lloyds Bank Cardnet.</p>
<h4>Account & Pricing</h4>
<p>A separate Lloyds Bank Cardnet merchant account is required to use this plugin. The account must be set up directly with Lloyds before installing and configuring the plugin — it is not created during the plugin installation process.</p>
<p>To apply for a Lloyds account, visit: <a href="https://www.lloydsbank.com/business/take-payments-with-cardnet.html" rel="nofollow ugc">Lloyds Bank Cardnet</a></p>
<p>Additional fees apply for payment processing services provided by Lloyds. These fees are separate from the cost of this plugin and are determined by Lloyds based on your business requirements and transaction volumes. For detailed pricing information, please visit the Lloyds website or contact their sales team directly.</p>
<h3>Support</h3>
<p>For technical support, customization requests, or general inquiries:<br />
Email: cardnet@autify.co.uk<br />
Helpdesk: https://support.autify.co.uk/<br />
Visit: https://www.autify.co.uk</p>
<p>If you find this plugin useful, please <a href="https://wordpress.org/support/plugin/autifydigital-lloyds-cardnet/reviews/#new-post" rel="ugc">leave a review on WordPress.org</a> — it helps us a lot!</p>
<p>Please note, Autify Digital cannot assist with the Lloyds account setup process or pricing enquiries. For account-related questions, please contact Lloyds directly through their website.</p>
<p><strong>Additional requirements:</strong></p>
<ul>
<li>For embedded payments (Payment.JS): REST API Key and API Secret from the Developer Portal, linked to your Store ID by Lloyds Bank.</li>
<li>For Apple Pay: An Apple Developer account with a configured Apple Pay merchant identifier and certificates.</li>
<li>For Google Pay: A Google Pay merchant account (for production use).</li>
</ul>
<h4>Customise Your Integration</h4>
<p>Looking for something more specific? Get in touch to discuss any custom features or tailored configurations that might enhance your Lloyds Cardnet Gateway integration for WooCommerce. Contact us via cardnet@autify.co.uk.</p>
<h4>Trademark</h4>
<p>Lloyds and Lloyds Bank are trading names of Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.= Support =</p>
<p>For technical support, customisation requests, or general inquiries:</p>
<ul>
<li>Email: cardnet@autify.co.uk</li>
<li>Visit: <a href="https://www.autify.co.uk" rel="nofollow ugc">autify.co.uk</a></li>
</ul>
<h3>External Services</h3>
<p>This plugin relies on the following third-party/external services to function. By using this plugin, data may be transmitted to these services as described below. Please review the respective terms and privacy policies.</p>
<h4>1. Lloyds Cardnet Payment Gateway</h4>
<p>Used for processing card payments through the Lloyds Bank Cardnet merchant account.<br />
Data sent: Order details, payment amounts, currency, customer billing/shipping address, and card transaction data. Sent when a customer initiates a payment.</p>
<p>– Service Link: <a href="https://www.lloydsbank.com/business/take-payments-with-cardnet/existing-customers/getting-started.html" rel="nofollow ugc">Lloyds Cardnet</a><br />
– Terms of Use: <a href="https://www.lloydsbank.com/business/product-terms-and-conditions.html" rel="nofollow ugc">Lloyds Cardnet Terms of Service</a><br />
– Privacy Policy: <a href="https://www.lloydsbank.com/business/privacy.html" rel="nofollow ugc">Lloyds Cardnet Privacy Policy</a></p>
<h4>2. First Data / Fiserv Payment Processing (IPG Online)</h4>
<p>Used for processing hosted payment page (redirect) transactions, Payment JS embedded payments, and refunds via the First Data API.<br />
Data sent: Store ID, API credentials, payment amounts, currency, order reference, card tokens, and refund details. Sent when a customer makes a payment, when a session is initialized for embedded payments, or when a merchant processes a refund.</p>
<p>– API Endpoints:<br />
  – Hosted Payment Page (Sandbox): https://test.ipg-online.com/connect/gateway/processing<br />
  – Hosted Payment Page (Production): https://www.ipg-online.com/connect/gateway/processing<br />
  – API (Sandbox): https://cert.api.firstdata.com/<br />
  – API (Production): https://prod.api.firstdata.com/<br />
– Terms of Use: <a href="https://www.fiserv.com/en/about-fiserv/terms-of-use.html" rel="nofollow ugc">Fiserv Terms of Use</a><br />
– Privacy Policy: <a href="https://www.fiserv.com/en/about-fiserv/privacy-notice.html" rel="nofollow ugc">Fiserv Privacy Notice</a></p>
<h4>3. First Data Payment JS Client Library</h4>
<p>A JavaScript library loaded from First Data servers to render the secure embedded payment form (card number, expiry, CVV fields) on the checkout page. The library handles card data directly — no card details pass through your server.<br />
Data sent: Card details are entered directly into the Payment JS iframe and transmitted to First Data. The plugin receives a payment token in return. The library is loaded when the checkout page renders with the embedded payment method enabled.</p>
<p>– JavaScript (Sandbox): https://lib.paymentjs.firstdata.com/uat/client-2.0.0.js<br />
– JavaScript (Production): https://lib.paymentjs.firstdata.com/prod/client-2.0.0.js<br />
– Documentation: <a href="https://docs.paymentjs.firstdata.com/" rel="nofollow ugc">Payment JS Documentation</a><br />
– Terms of Use: <a href="https://www.fiserv.com/en/about-fiserv/terms-of-use.html" rel="nofollow ugc">Fiserv Terms of Use</a><br />
– Privacy Policy: <a href="https://www.fiserv.com/en/about-fiserv/privacy-notice.html" rel="nofollow ugc">Fiserv Privacy Notice</a></p>
<h4>4. Fiserv Checkout Solution</h4>
<p>Used as an alternative checkout integration via the Fiserv eCommerce API for payment processing.<br />
Data sent: Store ID, API credentials, order amounts, currency, and checkout configuration. Sent when a customer initiates a payment using the checkout solution method.</p>
<p>– API (Production): https://prod.emea.api.fiservapps.com/exp/v1/checkouts<br />
– API (Sandbox): https://prod.emea.api.fiservapps.com/sandbox/exp/v1/checkouts<br />
– Terms of Use: <a href="https://www.fiserv.com/en/about-fiserv/terms-of-use.html" rel="nofollow ugc">Fiserv Terms of Use</a><br />
– Privacy Policy: <a href="https://www.fiserv.com/en/about-fiserv/privacy-notice.html" rel="nofollow ugc">Fiserv Privacy Notice</a></p>
<h4>5. Apple Pay</h4>
<p>Used to enable Apple Pay as an express payment method on product, cart, and checkout pages.<br />
Data sent: The merchant identifier, site domain, and display name are sent to Apple during merchant validation when a customer initiates an Apple Pay payment. Payment and shipping data is then processed through the First Data / Fiserv API.</p>
<p>– Service: <a href="https://www.apple.com/apple-pay/" rel="nofollow ugc">Apple Pay</a><br />
– Terms of Use: <a href="https://developer.apple.com/apple-pay/terms/apple-pay-web/" rel="nofollow ugc">Apple Pay Platform Web Merchant Terms</a><br />
– Privacy Policy: <a href="https://www.apple.com/legal/privacy/" rel="nofollow ugc">Apple Privacy Policy</a></p>
<h4>6. Google Pay</h4>
<p>Used to enable Google Pay as an express payment method on product, cart, and checkout pages. A JavaScript library is loaded from Google servers to render the Google Pay button and handle the payment flow.<br />
Data sent: Payment token data (encrypted by Google) and customer shipping/billing details are sent from the Google Pay interface to the plugin, then processed through the First Data / Fiserv API. The Google Pay JS library is loaded when the Google Pay payment method is enabled.</p>
<p>– JavaScript: https://pay.google.com/gp/p/js/pay.js<br />
– Service: <a href="https://pay.google.com/" rel="nofollow ugc">Google Pay</a><br />
– Terms of Use: <a href="https://payments.google.com/payments/apis-secure/get_legal_document?ldo=0&ldt=buyertos" rel="nofollow ugc">Google Pay Terms of Service</a><br />
– Privacy Policy: <a href="https://policies.google.com/privacy" rel="nofollow ugc">Google Privacy Policy</a></p>
<h4>7. Autify Digital License API</h4>
<p>Used to validate and manage the plugin license. The plugin contacts Autify Digital’s license server to verify that the license key is valid and active.<br />
Data sent: License key, plugin version, site domain, admin email, contact name, and activation status. Data is sent when the license is activated, deactivated, or periodically synced.</p>
<p>– Service: <a href="https://autify.co.uk/" rel="nofollow ugc">Autify Digital</a><br />
– API Endpoint: https://plugin-licenses.autify.co.uk/wp-json/autifydigital/v1/plugin<br />
– Terms of Use: <a href="https://www.autify.co.uk/terms-conditions/" rel="nofollow ugc">Autify Digital Terms and Conditions</a><br />
– Privacy Policy: <a href="https://autify.co.uk/privacy-policy/" rel="nofollow ugc">Autify Digital Privacy Policy</a></p>


Autify Digital Ltd Lloyds Cardnet Gateway

Accept card, Apple Pay and Google Pay payments on WooCommerce via Lloyds Bank Cardnet, with tokenisation, subscriptions and reporting.

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